Cinfed Online Disclosure

eStatement Disclosure  |  Cinfed Online Features

We are Cinfed Federal Credit Union, hereinafter referred to as "we" and "us", located at 4801 Kennedy Avenue Cincinnati, OH 45209 and our phone number is (513) 333-3800.

"You" and "your" refers to the member-owner of a savings account who has signed an agreement relating to Cinfed Online Banking. You hereby agree to the rules and regulations affecting the issuance of the Online Banking User ID and Password for the Cinfed Online Banking service provided by us for your convenience.

User ID & Password: The User ID & Password you choose is your "remote banking signature", and you are responsible for maintaining its confidentiality. If you choose to give your User ID & Password to someone else, you are responsible for any and all transactions that may occur on your accounts that are connected to the Online Banking system. There is only one user ID and password per account.

Authorized Use: Only you are authorized to withdraw funds from your account(s) with the use of your Online Banking User ID and Password along with any joint owner you may share your username and password with.

Notification Procedure: If you believe that your Online Banking Password has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without permission, call us at the number shown at the beginning of this Agreement, or write us at the address given at the beginning of this Agreement.

Customer Service Office Hours for Online Banking: Our customer assistance number is available during normal business hours of operation (See Cinfed hours for details). The number is 513-333-3800.

Types of Transactions Available: You may use your Online Banking Password to obtain account information related to any of your savings and loan accounts regarding current balances and account history (mortgage history is not available); savings dividend rates; loan interest rates, payoff amounts, payments and due dates; and YTD dividend earned and interest paid on each account. You can order checks, change passwords, change your address, apply for a loan, and export history.

Transfers: You may make deposit transfers to your accounts or other accounts you authorize as often as you like. You may transfer up to the balance in your accounts at the time of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance.

Schedule Transfers: You may schedule multiple transfers between your Cinfed accounts or other accounts you authorize. You may also schedule future and/or recurring transfers. Select the account number and suffix from the drop down boxes, enter the amount, choose the start date and select the frequency. It's as simple as that!

Frequency: Schedule recurring payments. Frequency options include:

One Time: transfer will occur one time on Start Date you select: up to one year in advance. Enter today's date for same day transfer.

Monthly: transfer will occur each month on the same day of the month you requested for Start Date. (Example: Monthly transfer to start on January 4, transfer will occur on 4th of every month thereafter.) If transfer is requested to start on the 31st day of the month, the transfer will occur on the last day of every month thereafter.

Semi-Monthly: transfer will occur on the 1st and the 15th day of every month.

Weekly: transfer will occur every week on the same day of the week as the Start Date. (Example: Weekly transfer scheduled to start on Monday, March 31, 2008 the transfer will occur on Monday of every week.)

Bi-Weekly: transfer will occur every other week on the same day of the week as the Start Date. (Example: Weekly transfer scheduled to start on Monday, March 31, 2008 the transfer will occur on Monday of every other week.)

Important facts you should know: When requesting a same day transfer the transfer will be completed immediately.

All transfers scheduled for a future Start Date will be completed by 10 am of the scheduled Start Date. Funds must be available in the account for transfer to be completed.

There are no fees associated with automatic transfers Deleting a transfer Next to the scheduled transfer there is a delete button in the left hand column. Click the delete button next to the transfer you wish to delete. A message will appear asking if this is the payment you wish to delete, click delete again.

There are two reasons a delete button may not be available,
1. The transfer has been initiated by the credit union for a loan payment
2. The transfer is to an account that is currently not accessible with your Online Banking log in.
To delete or request a change on that scheduled transfer you will need to call 513.333.3800 or visit any of our branch locations.

Any Account Transfer: You may make deposits to the account of another Cinfed member as often as you like. To complete the Any Account Transfer, you must know the account number and the first three (3) characters of the account holders last name. You will not have access to the balance or to withdraw funds from that account, unless you are an owner or authorized signer for that account. You may transfer up to the balance in your accounts at the time of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance.

Pending Debits You can view debit card transactions that have been authorized and have not posted to your account.

Financial Institution's Responsibility: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions.

We will NOT be liable, for instance:

a) If, through no fault of ours, you do not have enough money in your account to make the transfer b) If circumstances beyond our control (such as fire, flood) prevent the transfer, despite reasonable precautions that we have taken. c) Computer error or computer equipment error

Cinfed Online Banking Fees and Charges: The list of fees and charges are on the Cinfed Fee Schedule, on Cinfed's Website at www.cinfed.com or you can call the Membership Department at 513-333-3883 for details.

Consumer Liability For Unauthorized Cinfed Online Banking Transactions: Tell us at ONCE if you believe your Online Banking Password has been LOST or STOLEN. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone used your Online Banking Password without permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Online Banking Password and we can prove that we could have stopped someone from using your Online Banking Password without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00). Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as long trip or hospital stay) kept you from telling us, we will extend the time periods. We are liable only for losses in excess of the limits stated.

Error Resolution for Online Banking: In case of errors or questions about your transactions, call us at 513-333-3800 for Online Banking or write us at the address listed in this Agreement, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared. (1) Tell us your name and account number (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Cancellation: Your Online banking User ID & Password remains our property. We may cancel your Cinfed Online Banking privileges at any time without notice or cause. Any cancellation or termination shall not affect any of your existing liability to us.

Liability: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for: If, through no fault of ours, you do not have enough money in your account to make the transfer.

If the Cinfed Online Banking System was not working properly and you knew about the breakdown when you started the transfer.

If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

Joint Accounts: The Cinfed Online Banking User ID and Password may be issued to the first member and joint owner named on a savings account and offers access to other accounts owned by that member and the joint owner. You should not disclose your Online User ID or Password to anyone not on your savings account. If you do, that person will have access to all accounts at the credit union owned by you, either individually or jointly.

Conditions Under Which We will Disclose Information To A Third Party: You agree that we may, and you hereby authorize us to, disclose information to third parties about your account(s) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders as permitted by law; or (4) if you give us your written permission.


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


Liz and the gang have surpassed all my notions about what banking should be, they bring unparalleled customer service to the table. So much that whenever I walk in, I am greeted like good neighbors... 
— D English
The high quality of service has remained constant for the many years I have been a member and for the multiple times I have moved around the US and the one time out of the country. The customer... 
— Willa, member since 1958
I have been a member for 24 years. The associates are very helpful and knowledgeable. I mostly bank at Roselawn, and Chela is the best! Thank you Cinfed for being there for me.
— Louella, member since 1991
Sara & I have been banking with Cinfed since 1975. We have been able to purchase a car for our daughter as well as for us since banking with Cinfed. We love their online banking as well as... 
— Jerry & Sara, members since 1975
I recently dealt with Kathy at the Turfway Road, Florence location regarding an auto loan and wanted to take a second to comment on my satisfaction. I purchased a vehicle and started the financing... 
— Justin, member since 2012
I have been a member since 2002. Cinfed has taken care of me since the very first day. I know all the employees personally here in the Federal building. They have seen me through very tough times and... 
— Janelle, member since 2002
I have been a loyal member since 1978. Cinfed has come to my rescue and support on many occasions; I enjoy courteous, efficient service; and I love how Cinfed seeks to stay current with mainstream... 
— Stephanie, member since 1978
I have been a Cinfed member since 1974 and love it. I bought cars and houses using Cinfed loans. Love their on line banking. I have been using online banking from the days when we did it over the... 
— Chris, member since 1974
The best customer service, I have recommended Cinfed to all my family, I could not think of banking anywhere else. Shared banking is great when out of town.
— Bonnie, member since 1989
I have been a member of Cinfed Credit Union since 1972. I started work at the Cincinnati Service Center working for GSA as a Federal Protective Officer and it was my job on paydays to escort the... 
— Cecil, member since 1972
The best bank I've ever had. Great job!
— Robert, member since 2010
I've been with other banks and still have a few accounts because of my business out west. I've been with Cinfed since 1988. If you have a banking account with a fee based bank and have been charged... 
— Paul, member since 1988
Cinfed has all the banking services anyone could possibly need or want. I have dealt with Cinfed for all my banking needs for years. I became a member approximately 30 plus years ago when the... 
— Shirley, member since 1969
I have been a member since 1968. That is the year I started with IRS. I think we have used every service Cinfed has to offer. 2 home mortgages, personal loan ,RCA, car loan. They have always been... 
— Jan, member since 1968
I Love Cinfed, and would recommend them to everyone I come in contact with. I've always felt warmth and attentiveness from all the associates. I'm sure I'll be a member for the rest of my... 
— Rita, member since 2006
I love Cinfed! They treat us like family!!
— James, member since 1990
Dedicated member since 1972. Cinfed has been there every time I have needed them. Being without Cinfed now, well it would be like losing a member of the family.
— Norma, member since 1972
The one-stop banking capability for home mortgages, automobile loans, savings accounts and credit cards...all with very competitive rates...makes being a member of Cinfed a very smart, invaluable... 
— Carl, member since 1978
When purchasing a car for my daughter, Cinfed came through for me once again. They worked out every detail of the purchase loan right from the dealership lot, including setting up an online account... 
— Crissy, member since 1995
I have been a member of Cinfed almost as long as I've worked at IRS which is since 1975. I'll not bank anywhere else. The service I get from people like Jewel and Jennifer "J" at Gateway... 
— Linda, member since 1978
I joined Cinfed over 18 years ago. I love the chance that they give you to get things right. My family loves this too! What I would love to see this bank do is to notify customers via email... 
— Delores, member since 1986
When my previous bank refused to cash a corporate paycheck with one of the largest financial institutions, I went to Cinfed off of a members recommendation and without a question they cashed my... 
— Phil, member since 2008
I have had Cinfed for 14 years. They are the best bank I have ever had. They are always there to help me out of any jam I get into, with a friendly smile!!! Thank you Cinfed!!!
— Eric, member since 2001
Cinfed is pretty much the best, most helpful bank I've ever used. I previously used another local bank, but was encouraged to try Cinfed by my girlfriend. I've come to expect very little of banks in... 
— Logan, member since 2010
My husband and I have been members of Cinfed for over 25 years. When he retired, we had limited involvement with Cinfed since it was very close to our workplace, but not our home. Recently we... 
— Cheryl, member since 1981
I have been a member of Cinfed Credit Union since 1986 when I started working for IRS. I recently spent a week in the hospital and four weeks in a skilled nursing facility going through rehab. The... 
— Suzanne, member since 1986
Cinfed is special for me. I moved to several states and Cinfed is the only account I kept with me wherever I go. Through the shared branching, I get all the service I need. Whenever I call, I am... 
— Tseagye, member since 2010
Cinfed rocks! I hope you guys understand that what you are offering are not just loans and accounts but things that mean much more than that, things that keep hope alive, that help people like me... 
— Pankaj, member since 2014
I joined Cinfed after my first season working for IRS in the early 1980's. Now over thirty years later, I am still impressed with them. Every customer service representation that I have been in... 
— Ros
I've been banking with Cinfed for almost one year now and it has been a wonderful experience. They get back to you very promptly and can help you for all of your banking needs, quite efficiently. I... 
— Brandon, member since 2014
I have been a member for over 25 years. I think good service should be recognized. Julie at the Roselawn branch always gives great service with a smile. She is also a very dedicated employee. ... 
— Rita, member since 1985
I have had most of my family to join. I will never change banks, the service is great.
— Joen, member since 1988
Love them as a bank and the customer service has always been outstanding...Great job Cinfed.
— Posey, member since 1984
We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990

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